Dhijitari Mari Yemazuva Ano uye Zvekutarisira Mune Ramangwana Rava Pedyo
Malta - Innovation uye Technology
Malta parizvino iri kuita zano rekubatsira kuona kuti Malta inoonekwa seimwe yenzvimbo dzepamusoro muEU yekuvandudza uye tekinoroji. Saka zvakakosha kuti uzive kuti chii chaizvo iyo Digital Finance Market inogadzirwa parizvino uye kwairi kunanga.
Malta inzvimbo yepamusoro yeMicro test-mubhedha uye parizvino kune akati wandei zvirongwa zvakaunzwa kukwezva hunyanzvi uye tekinoroji-yakavakirwa makambani ekutanga.
Iyo EU uye Digital Finance Sector
Kubva munaGunyana 2020, European Commission yakagamuchira dhijitari yemari pasuru, kusanganisira yedhijitari yezvemari zano uye zvikumbiro zvemutemo nezve crypto-assets uye dhijitari kushanda kusimba, kugadzira inokwikwidza EU chikamu chezvemari chinopa vatengi mukana kune zvitsva zvigadzirwa zvemari, uku vachiona. kuchengetedzwa kwevatengi uye kugadzikana kwemari. Chinangwa chekuve nemirau inova inoshamwaridzana nedhijitari uye yakachengeteka kune vatengi, ndeyekusimudzira hukama pakati pekutanga hunyanzvi hwekutanga-ups uye mafemu akasimbiswa muchikamu chezvemari achigadzirisa chero njodzi dzakabatana.
Position of Regulators
Bazi rebasa rezvemari raona kukurumidza kukurumidza munzira yekuenda kudhijitari, uye nekudaro, vazhinji vanodzora vari kufambisa maitiro ekuona kuti hurongwa hwekutonga hunodzora njodzi dzeiyi hunyanzvi, pasina kuvhiringidza kugona kwavo kusimudzira zvakanyanya hurongwa hwemari.
Kufarira kwemusika kwakatenderedza crypto-assets, uye iyo iri pasi yakagoverwa ledger tekinoroji (DLT), inoramba ichikura. Mabhenefiti angangove ezvigadziriso izvi kuwedzera mubhadharo zvakanaka pamwe nekudzikisa mutengo uye kuwedzera kubatanidzwa kwemari. Mukuita izvi kune zvakare runyorwa rwezvinonetsa zvinosanganisirwa izvo vazhinji vanodzora vakasimbisa uye ivo vari kuwedzera yambiro kune vatengi uye vanoisa mari.
Mukuchinja kubva kune echinyakare bhizinesi modhi, hombe tekinoroji vatambi vari kutanga kupa akasiyana epapuratifomu-akavakirwa mari masevhisi. Artificial intelligence uye muchina kudzidza matekiniki ari kuiswa mumaitiro emafemu uye ari kuwedzera kushandiswa mumidziyo yakagadzirirwa kushandiswa nevatengi. Maregulator ari kucherekedzawo zvine chekuita nehunhu uko maAI mamodheru asina kunyatsofunga kuchenesa data, shanduko uye kusazivikanwa.
Nzira Yakabatana
Sezvo mafemu anotsamira pakutsvaga kunze kuti aderedze mitengo uye kuendesa zvigadzirwa zvehunyanzvi, kuri kuwedzera kuongororwa kwecyber resilience uye yechitatu-bato rekunze, uye misangano yakasiyana-siyana iri kuitwa kuitira kubatanidza vatongi nevagadziri murukova rumwe nechinangwa chakagovaniswa. Parizvino kune akati wandei ejecha mapurojekiti anokurudzira ekutanga-ups kutora chikamu mukugadzira pachena pakati pechigadzirwa chinopihwa uye mutemo.
Iwo akakosha ekuvaka mabhuroki anosimbisa ese ari kubuda matekinoroji uye digitisation, zvivakwa uye data. Mafemu anofanirwa kuve nechokwadi chekuti ane hunyanzvi hwekuchengeta nekuongorora dhatabhesi uye ave nenzvimbo yekutonga nekutonga kwakaringana. Ivo vanofanirwa kuchengetedza zvakavanzika mutengi uye data remusika, uku vachiendesa masevhisi zvakanyanya kuyambuka miganhu. Izvi zvinomutsa matambudziko emutemo, ayo vatongi vanoramba vachikakavadzana.
Digital Finance Strategy
The Digital Finance Strategy inotara chinzvimbo cheEuropean pane shanduko yedhijitari yemari mumakore anotevera, uku ichigadzirisa njodzi dzayo. Nepo matekinoroji edhijitari ari akakosha pakuvandudza hupfumi hweEurope muzvikamu zvese, vashandisi vemasevhisi emari vanofanirwa kuchengetedzwa kubva kunjodzi dzinobva mukuwedzera kuvimba nemari yedhijitari.
Iyo Digital Finance Strategy inoburitsa zvinhu zvina zvakakosha zvinosimudzira shanduko yedhijitari:
- Inobata kupatsanurwa muMusika Umwechete weDhijitari yemasevhisi emari, nekudaro ichigonesa vatengi vekuEurope kuwana masevhisi ekuyambuka uye kubatsira mafemu ezvemari eEurope kukwirisa mashandiro awo edhijitari.
- Inove nechokwadi chekuti EU yekudzora dhizaini inofambisa hunyanzvi hwedhijitari mukufarira kwevatengi uye kugona kwemusika.
- Inogadzira nzvimbo yeEuropean data data kusimudzira hunyanzvi hunofambiswa nedata, kuvaka paEuropean data strategy, kusanganisira kukwidziridzwa kwekuwana data uye kugovana data mukati mechikamu chezvemari.
- Inogadzirisa matambudziko matsva uye njodzi dzine chekuita neshanduko yedhijitari.
Mabhangi anofanirwa kuziva kuti zano rakadaro richaunza zvinotarisirwa maererano nekushandiswa kwematekinoroji matsva kuendesa masevhisi emari, kuwedzeredzwa kwekugovana data kunotungamira kune zvinotarisirwa zvinopihwa zviri nani nemafemu uye kukwidziridzwa kwehunyanzvi hwekufamba mune ino itsva eco-system yezvemari.
Kunyanya zvirongwa zvinoumba chikamu cheDhijitari Yemari Strategy zvinosanganisira:
- Kugonesa EU-yakafara kudyidzana kushandiswa kwedhijitari kuzivikanwa
- Kufambisa kukwidziridzwa kwemasevhisi emari edhijitari paMusika Umwechete
- Kukurudzira kushandira pamwe uye kushandiswa kwe cloud computing zvivakwa
- Kukurudzira kutorwa kwezvishandiso zvehungwaru
- Kusimudzira maturusi eIT ekugonesa kushuma uye kutarisa
Digital Operational Resilience (DORA)
Chikamu che Digital Finance Package yakapihwa neEuropean Commission, chirevo chemutemo pamusoro pedhijitari yekushanda kusimba (DORA proposal), inowedzera zviripo Information and Communications Technology (ICT) zvinodiwa nenjodzi, zvichiita kuti IT landscape inotarisirwa kuve yakachengeteka uye yakakodzera mune ramangwana. Chikumbiro chinobata zvinhu zvakasiyana uye chinosanganisira; ICT njodzi manejimendi zvinodiwa, ICT-inoenderana nechiitiko chekuzivisa, dhijitari inoshanda kusimba kuyedza, ICT yechitatu-bato njodzi uye kugovana ruzivo.
Chikumbiro ichi chine chinangwa chekugadzirisa; kupatsanurwa maererano nezvisungo zvemasangano ezvemari munzvimbo yeICT njodzi, kusawirirana mune zvinodiwa zvekushuma zviitiko mukati uye mukati mechikamu chesevhisi yemari pamwe nekutyisidzirwa kwekugovana ruzivo, kushomeka uye kusarongeka kwedhijitari mashandiro ekugadzirisa kuyedza, uye kuwedzera kukosha kweICT bato rechitatu. ngozi.
Masangano emari anotarisirwa kuchengetedza akatsiga maICT masisitimu uye maturusi anoderedza njodzi yeICT nemaitiro anoshanda ekuenderera mberi kwebhizinesi aripo. Masangano anodiwa zvakare kuve nemaitiro ekutarisa, kuronga uye kushuma zviitiko zvikuru zvine chekuita neICT, nekugona nguva nenguva kuyedza kusimba kweiyo system. ICT yechitatu bato njodzi inopihwa kusimbiswa kwakanyanya, ine yakakosha ICT yechitatu-bato vanopa masevhisi pasi pe Union Oversight Framework.
Muchirevo chechikumbiro ichi, mabhanga anotarisirwa kuita chirongwa chakazara, kuongorora maitiro avo eICT uye kuronga shanduko dzinotarisirwa. Chiremera chinosimbisa kuti mabhanga anofanirwa kuenderera mberi nekutarisa zvese zvakabva kuICT njodzi paine dziviriro yakakwana nedziviriro iripo. Chekupedzisira, mabhanga anofanirwa kuvaka hunyanzvi hunodiwa uye kuve nezviwanikwa zvakakwana kuti aenderane nezvinodiwa zvinobva muzvikumbiro zvakadaro.
Retail Payments Strategy
The Digital Finance Package inosanganisirawo akazvitsaurira Retail Payments Strategy. Iri zano rinosanganisira hutsva hwepakati-kusvika-kureba mutemo mutemo une chinangwa chekusimudzira kusimudzira kwekutengesa mubhadharo mukati meiyo nyika yedhijitari. Mbiru ina dzechirongwa ichi ndeidzi;
- kuwedzera madhijitari uye nekukurumidza kubhadhara mhinduro nepan-European kusvika;
- mitsva uye inokwikwidza misika yekubhadhara yekutengesa;
- inoshanda uye inodyidzana zvitoro zvekubhadhara masisitimu uye zvimwe zvivakwa zvekutsigira; uye
- mari dzepasi rese dzinoshanda, kusanganisira dzekutumira.
Iri zano rine chinangwa chekuwedzera network yekugamuchirwa yekubhadhara kwedhijitari, neKomisheni zvakare inotsigira basa mukuburitswa kwedhijitari euro. Mukuwedzera, Komisheni inoda kuve nechokwadi kuti hurongwa hwepamutemo hwakapoteredza maererano nekubhadhara, hunovhara vese vatambi vanokosha, nepamusoro pekuchengetedzwa kwevatengi panzvimbo.
Dixcart Malta Inogona Sei Kubatsira?
Dixcart Malta ine hupfumi hweruzivo mumasevhisi emari, uye inogona kupa ruzivo rwemutemo uye rwekuteedzera uye kubatsira kuita shanduko, tekinoroji uye shanduko yesangano.
Paunotanga zvigadzirwa zvitsva nemasevhisi, ruzivo rweDixcart Malta runogona kubatsira vatengi kujairana nekuchinja kwemitemo zvinodiwa uye kuziva uye kugadzirisa njodzi dziri kubuda.
Isu tinocherekedza uye nekubatsira vatengi vedu kuwana akasiyana zvirongwa zvehurumende yeMalta, kusanganisira magrants uye zvikwereti zvinyoro.
Zvimwe Information
Kuti uwane rumwe ruzivo nezve Digital Finance uye nzira yakatorwa muMalta, ndapota taura Jonathan Vassallo, kuDixcart hofisi muMalta: zano.malta@dixcart.com.
Neimwe nzira, ndapota taura kune yako yakajairika Dixcart kuonana.
